Is Gary Payton [Red Refractor] #66 worth grading?
Basketball · Basketball Cards 2004 Finest · full price guide →
Strong grading candidate — 28× premium in PSA 10
A PSA 10 Gary Payton [Red Refractor] #66 sells for $85.67 against $3.03 raw: a $82.64 spread, 28× the ungraded price. A PSA 9 ($22.00) only about breaks even after fees, so the case rests on gemming. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $3.03
- PSA 10
- $85.67
- PSA 9
- $22.00
- Gem premium
- 28×
- As of
- Sep 4, 2026
Break-even by outcome and fee
| If it comes back… | Sells for | Economy / bulk (~$25.00) | Standard (~$50.00) | Express (~$150) |
|---|---|---|---|---|
| Gem — PSA 10 | $85.67 | +$57.64 | +$32.64 | −$67.36 |
| PSA 9 | $22.00 | −$6.03 | −$31.03 | −$131 |
Net = sale price − $3.03 raw value − fee. Fee tiers are illustrative; plug your grader's current price into the calculator below.
Expected value — how often does it need to gem?
| Chance it gems | Expected sale | Expected net (standard fee) |
|---|---|---|
| 25% | $37.92 | −$15.11 |
| 50% | $53.84 | +$0.80 |
| 75% | $69.75 | +$16.72 |
Break-even gem rate at the standard fee: about 49%. Centering is the usual reason a clean copy misses — measure it before you decide.
Which grader pays the most — and what a 10 takes
All centering standards →| Grader | 10 sells for | vs best | Front centering for a 10 | Back |
|---|---|---|---|---|
| BGS 10 | $111 | best | 55/45 | 70/30 |
| PSA 10 | $85.67 | −$25.33 | 55/45 | 75/25 |
| CGC 10 | $51.00 | −$60.00 | 55/45 | 75/25 |
| SGC 10 | $51.00 | −$60.00 | 55/45 | 75/25 |
Tolerances are each company's published centering standard for its top grade; surface, corners and edges must also be clean. Centering is the one you can measure yourself before you pay.
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Grading Gary Payton [Red Refractor] #66 — FAQ
Is Gary Payton [Red Refractor] #66 worth grading?
A PSA 10 Gary Payton [Red Refractor] #66 sells for $85.67 against $3.03 raw: a $82.64 spread, 28× the ungraded price. A PSA 9 ($22.00) only about breaks even after fees, so the case rests on gemming. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
How much is a PSA 10 Gary Payton [Red Refractor] #66 worth compared with raw?
A PSA 10 Gary Payton [Red Refractor] #66 (Basketball Cards 2004 Finest) sells for about $85.67 versus $3.03 for a raw near-mint copy — a 28× premium as of Sep 4, 2026.
Which grading company is best for Gary Payton [Red Refractor] #66?
By resale value, BGS 10 leads at $111, ahead of PSA 10 at $85.67. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Gary Payton [Red Refractor] #66 need for a BGS 10?
BGS publishes 55/45 front and 70/30 back centering as the tolerance for a 10 (Gem Mint). Off-center copies are capped below the top grade regardless of surface — measure yours before paying the fee.
What gem rate makes grading Gary Payton [Red Refractor] #66 break even?
At a standard ~$50 fee, submitting Gary Payton [Red Refractor] #66 breaks even when it gems about 49% of the time (a miss assumed to sell at the PSA 9 price of $22.00).
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